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Bihar Student Credit Card

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Government Educational Scheme

Bihar Student Credit Card (MNSSBY) Details

The Bihar State Government has introduced the Bihar Student Credit Card (BSCC) Scheme, designed to provide financial relief in the form of low-interest education loans to 12th-pass students. Under this scheme, candidates can receive education loans up to a maximum of ₹4 Lakhs to pursue higher education in technical, professional, or general streams.

Eligibility Criteria

  • Applicant must be a permanent resident of Bihar who has completed 12th standard (or equivalent) in Bihar or bordering states.
  • The candidate must be enrolled or selected for a degree program in a recognized institution.
  • Maximum age limit for Undergraduate applicants is 25 years.
  • Maximum age limit for Postgraduate applicants (requiring a bachelor's degree) is 30 years.
  • Candidate must not have received any other government educational scholarship or loan scheme.

Key Scheme Benefits

  • Maximum credit amount of up to ₹4,00,000 for tuition, laptops, books, and hostel charges.
  • A standard simple interest rate of only 4% applies to the loan amount.
  • Special concessional interest rate of only 1% for girls, transgender candidates, and differently-abled students.
  • Repayment moratorium is valid for 1 year after course completion or 6 months after starting a job.
  • Funds are directly transferred via NEFT/RTGS to the respective college or university account.

Eligible Courses Under BSCC

The Student Credit Card scheme covers technical, general, and medical courses including:

  • B.Tech / B.E (All Engineering Branches)
  • B.Arch / B.PLAN (Architecture)
  • MBBS / BDS (Medical Dentistry)
  • B.Sc Nursing / GNM / ANM
  • BBA / MBA (Business Studies)
  • BCA / MCA (Computer Applications)
  • BAMS / BHMS / BUMS
  • B.Sc Agriculture / Library Science
  • B.Sc Fashion Tech / Apparel Design
  • Bachelor of Occupational Therapy
  • BA / BSc / BCom Integrated B.Ed
  • Polytechnic / Diploma Programs

Required Documents

  • Aadhaar card and PAN card copies (student & co-applicant).
  • 10th and 12th standard certificates & marksheets.
  • College admission letter & approved course fee structure.
  • Bank passbook containing Account No, Branch details, and IFSC.
  • Last 6 months bank account statements of parents/co-applicant.
  • Income certificate or Form 16 / Income Tax Returns.
  • Passport size photographs (student & parent).

Steps to Apply Online

  1. Portal Registration: Visit the official MNSSBY portal and click on 'New Applicant Registration'.
  2. OTP Verification: Fill in key details and verify your email & phone number via OTP.
  3. Application Login: Log in using the system-generated credentials received on your email.
  4. Scheme Selection: Choose the 'Bihar Student Credit Card' option in the scheme selector window.
  5. Co-Applicant details: Input parents/guarantor information and upload structured documents.
  6. DRCC Verification: Submit online and visit the nearest District Registration and Counselling Centre (DRCC) for document physical verification.

Frequently Asked Questions (FAQs)

योजना के अन्तर्गत ऑनलाईन आवेदन देने वाले सभी आवेदकों को योजना का लाभ उठाने हेतु अपने मूल कागजातों की जाँच जिला निबंधन एवं परामर्श केन्द्र (DRCC) पर कराना आवश्यक है। कागजातों की जाँच एवं अधिकारियों की स्वीकृति के पश्चात ही आवेदक योजना का लाभ उठा सकेंगे।

इसके अन्तर्गत तीन मुख्य योजनाएँ संचालित हैं:
  • मुख्यमंत्री निश्चय स्वयं सहायता भत्ता योजना (SHA)
  • बिहार स्टूडेंट क्रेडिट कार्ड (BSCC)
  • कुशल युवा कार्यक्रम (KYP)

सर्वप्रथम आवेदक द्वारा एक ऑनलाईन आवेदन पत्र भरना अनिवार्य है। इसके लिए आधिकारिक वेबसाइट http://www.7nishchay-yuvaupmission.bihar.gov.in पर जाकर 'New Applicant Registration' पर पंजीकरण किया जा सकता है। OTP वेरिफिकेशन के बाद यूजर आईडी और पासवर्ड के माध्यम से फॉर्म भरकर आवश्यक दस्तावेज अपलोड किए जा सकते हैं।

नहीं, आवेदक केवल एक ही योजना का लाभ उठा सकता है। हालांकि, स्वयं सहायता भत्ता (SHA) के लाभार्थियों के लिए कुशल युवा कार्यक्रम (KYP) का प्रशिक्षण लेना अनिवार्य है।

सफलतापूर्वक ऑनलाईन आवेदन करने के पश्चात आवेदक किसी भी कार्यदिवस पर सुबह 10:00 बजे से शाम 6:00 बजे तक अपने संबंधित DRCC केंद्र पर जाकर मूल दस्तावेजों का सत्यापन करा सकते हैं।